The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$71,985
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,224
−HK$2,275/mo
Today · 4.125%
HK$76,499
baseline
▲ 0.50% · 4.625%
HK$81,154
+HK$4,655/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,998/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,082
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,230
−HK$2,179/mo
Today · 4.125%
HK$84,409
baseline
▲ 0.50% · 4.625%
HK$88,858
+HK$4,449/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,818/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,382
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,069
−HK$2,730/mo
Today · 4.125%
HK$91,799
baseline
▲ 0.50% · 4.625%
HK$97,385
+HK$5,586/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$183,598/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,099
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,676
−HK$2,615/mo
Today · 4.125%
HK$101,291
baseline
▲ 0.50% · 4.625%
HK$106,630
+HK$5,339/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$202,582/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,779
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,914
−HK$3,185/mo
Today · 4.125%
HK$107,099
baseline
▲ 0.50% · 4.625%
HK$113,615
+HK$6,516/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,198/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,115
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,122
−HK$3,051/mo
Today · 4.125%
HK$118,173
baseline
▲ 0.50% · 4.625%
HK$124,402
+HK$6,229/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,346/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,573
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,603
−HK$4,095/mo
Today · 4.125%
HK$137,698
baseline
▲ 0.50% · 4.625%
HK$146,077
+HK$8,379/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,396/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,148
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,014
−HK$3,922/mo
Today · 4.125%
HK$151,936
baseline
▲ 0.50% · 4.625%
HK$159,945
+HK$8,009/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,872/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,673 · Scale 2, in force from 26 Feb 2026)